Research For Risk Management Of Small And Medium-sized Commercial Banks Trade Financing Business

In recent years, trade financing business because of its authenticity, agility, timeliness,from outside the watch of sex and characteristics by commercial bank develop and promoti-on, become a trade financing hot, small and medium-sized commercial Banks trade financi-ng.business got unprecedented development. But small and medium-sized commercial Banksin the process of trade financing business, the trade financing business risk management hassome problems, such as the lack of perfect risk management system, risk management att-ention degree is not enough and in the risk management process risk prevention existenceof loopholes. In the commercial bank safety, liquidity and profitability requirements, trade f-inancing business risk management obviously is very important. Commercial bank financingbusiness risk including policy risk, market risk, credit risk and operational risk, etc, the sm-all and medium-sized commercial Banks trade financing business risk management focus oncredit risk and operational risk, comprehensive risk management have been ignored. Smalland medium-sized commercial Banks trade financing business risk management should be s-trengthened.This article through to small and medium-sized commercial Banks trade financing busi-ness development present situation and risk management are analyzed, and found that smalland medium-sized commercial Banks trade financing business risk management problems;And with the main trade financing product risk analysis as an example, the policy risk, m-arket risk, credit risk and operational risk carries on the comprehensive analysis of the syst-em, and puts forward the trade financing business risk analysis of the whole train of thoug-ht; Finally based on small and medium-sized commercial Banks trade financing business ris-k management problems and puts forward to strengthen trade financing business risk mana-gement countermeasures, including perfect trade financing business comprehensive risk man-agement system, set up a unified credit system, set up the comprehensive risk managementsystem, strengthen personnel training and education and feasible countermeasures.